Country Clutter (Bed & Breakfa vs Crown Trophy
Country Clutter (Bed & Breakfa vs Crown Trophy: Country Clutter (Bed & Breakfa costs $93K–$218K to open; Crown Trophy costs $38K–$419K. Country Clutter (Bed & Breakfa has 27 units, Crown Trophy has 44. SBA loan history: Country Clutter (Bed & Breakfa = 50 loans (46.0% default); Crown Trophy = 57 loans (7.0% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
Country Clutter (Bed & Breakfa vs Crown Trophy: Capital, Scale & Lending Analysis
Data-driven differentiation pulled from FDD filings and SBA 7(a) loan-level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Crown Trophy requires the lower minimum capital commitment ($38K vs $93K for Country Clutter (Bed & Breakfa), a 145% spread. Initial franchise fees come in at $25K for Country Clutter (Bed & Breakfa versus $35K for Crown Trophy, Country Clutter (Bed & Breakfa has the lower entry fee. Ongoing royalty load is 5.5% for Country Clutter (Bed & Breakfa and 5% for Crown Trophy, giving Crown Trophy the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Crown Trophy operates 44 units to Country Clutter (Bed & Breakfa's 27. Crown Trophy has been operating 48 years (founded 1978) versus 35 for Country Clutter (Bed & Breakfa (founded 1991), a 13-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Crown Trophy has the deeper SBA lending track record with 57 historical 7(a) approvals versus 50 for Country Clutter (Bed & Breakfa. Country Clutter (Bed & Breakfa's peak SBA year was 2001 (6 loans); Crown Trophy's peak was 2003 (5 loans). Crown Trophy's more recent peak generally indicates fresher lender appetite. Geographically, Country Clutter (Bed & Breakfa concentrates in CA (10 SBA-funded units) while Crown Trophy leads in TX (8). Pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded Country Clutter (Bed & Breakfa deals is $167K vs $130K for Crown Trophy, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 46.0% for Country Clutter (Bed & Breakfa and 7.0% for Crown Trophy, Crown Trophy has the cleaner historical loss profile by 39.0 points. PeerSense FPI scores come in at 23 (Fair) for Country Clutter (Bed & Breakfa and 46 (Fair) for Crown Trophy, giving Crown Trophy the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 23/100 | 46/100 |
Health Tier | Limited | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 50 | 57 |
SBA Volume | – | – |
Default Rate | 46.0% | 7.0% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $93K – $218K | $38K – $419K |
Franchise Fee | $25K | $35K |
Royalty Rate | 5.5% | 5% |
Ad Fund | N/A | 2% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 27 | 44 |
Franchised Units | 27 | 44 |
Company-Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | 1991 | 1978 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | ALBANY, CA | Hawthorne, NY |
Category | All Other Miscellaneous Store Retailers | All Other Miscellaneous Store Retailers |
Website | ||
FDD Year | N/A | 2025 |
Which Is Better, Country Clutter (Bed & Breakfa or Crown Trophy?
Lower upfront capital required
Crown Trophy
Country Clutter (Bed & Breakfa: $93K starting · Crown Trophy: $38K starting
More SBA lender confidence
Crown Trophy
Country Clutter (Bed & Breakfa: 50 SBA loans · Crown Trophy: 57 SBA loans
Lower historical default rate
Crown Trophy
Country Clutter (Bed & Breakfa: 46.0% · Crown Trophy: 7.0%
Larger system & brand presence
Crown Trophy
Country Clutter (Bed & Breakfa: 27 units · Crown Trophy: 44 units
Lower ongoing royalty load
Crown Trophy
Country Clutter (Bed & Breakfa: 5.5% · Crown Trophy: 5%
More lender financing options
Crown Trophy
Country Clutter (Bed & Breakfa: 15 unique lenders · Crown Trophy: 37 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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About These Franchises
Country Clutter (Bed & Breakfa vs Crown Trophy: Franchise Funding Comparison
Comparing Country Clutter (Bed & Breakfa and Crown Trophy is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $38K to $419K.
Both brands have active SBA lending histories, Country Clutter (Bed & Breakfa with 50 SBA loans and Crown Trophy with 57. This means proven lender acceptance and established underwriting paths for franchise buyers.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
Country Clutter (Bed & Breakfa vs Crown Trophy, Frequently Asked Questions
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